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It takes 5 minutes and a few clicks on a web site now a days. I'm all for more security too but like OP it isn't really my responsibility nor my liability so I have little care.


My last bank made that easy. But required a new card and a new PIN, and immediately and automatically cancelled the old one. As I was abroad at the time, this was not a fun process. Not that it's particularly fast even if you walk into a branch.


This is one of the reasons I think it's important to have more than one credit card when traveling (especially abroad). Redundancy in case one get shut down at an inconvenient time in an inconvenient place.




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